IFSC Code of The Surat District Cooperative Bank Limited, Vav Branch, Gujarat

If you are searching for the IFSC code of The Surat District Cooperative Bank Limited, VAV branch in VAV, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SDCB0000054. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the VAV branch, and detailed step-by-step guides for using the IFSC SDCB0000054 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Surat District Cooperative Bank Limited – VAV is SDCB0000054. The first four letters SDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000054 map to this branch in VAV, GUJARAT.

Branch details at a glance

Bank profile

The Surat District Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Vav branch — IFSC SDCB0000054 — extends the bank's services to customers in and around Vav, Gujarat.

Vav branch overview

Located at NEAR KHODIYA MATA TEMPLE, VAV, TA - KAMREJ, PINCODE - 394 326, the Vav branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SDCB0000054 is required for all interbank electronic transfers routed through this branch.

Why every The Surat District Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VAV of The Surat District Cooperative Bank Limited — its own 11-character IFSC. The code SDCB0000054 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SDCB0000054 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SDCB0000054

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SDCB0000054 across all three.

How to use IFSC SDCB0000054 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Surat District Cooperative Bank Limited's VAV branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SDCB0000054.
4. Confirm the bank name auto-populates as The Surat District Cooperative Bank Limited and the branch as VAV.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to VAV

If you need to transfer ₹2 lakh or more in one go to an account at The Surat District Cooperative Bank Limited's VAV branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCB0000054 while initiating the transfer and the credit will appear within minutes.

IMPS to The Surat District Cooperative Bank Limited VAV (IFSC SDCB0000054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCB0000054 in your mobile or internet banking app, and the money is credited to the VAV branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SDCB0000054 for The Surat District Cooperative Bank Limited – VAV, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Vav branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC SDCB0000054

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Surat District Cooperative Bank Limited – VAV is still mapped to IFSC SDCB0000054. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SDCB0000054 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vav branch

Once you have an account at The Surat District Cooperative Bank Limited – VAV, the IFSC SDCB0000054 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Vav branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2621-7486015078.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC SDCB0000054

MICR & cheque-truncation details

Cheques drawn on the Vav branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCB0000054 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SDCB0000054

The Surat District Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VAV branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SDCB0000054 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Surat District Cooperative Bank Limited – VAV:

• The IFSC is exactly SDCB0000054 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Surat District Cooperative Bank Limited as the bank name and VAV as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Vav branch

The branch is located at NEAR KHODIYA MATA TEMPLE, VAV, TA - KAMREJ, PINCODE - 394 326, which puts it inside Vav, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Surat District Cooperative Bank Limited Vav branch” — the verified location pin for IFSC SDCB0000054 should appear at the top of the results.
2. Confirm the branch is open by calling 2621-7486015078 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SDCB0000054 and your account number.

Verifying IFSC SDCB0000054 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SDCB0000054 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2621-7486015078.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vav are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SDCB0000054 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCB0000054 belongs to The Surat District Cooperative Bank Limited's VAV branch, located at NEAR KHODIYA MATA TEMPLE, VAV, TA - KAMREJ, PINCODE - 394 326 in VAV, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.